What if I need to break my lock on my home loan? November 25, 2020 16:43 Updated You are free to withdraw your SoFi Home Loan application and break your lock at any time. There is no fee for doing so Related articles What if my lock expires before my home loan is complete? What is SoFi's lock policy? What exactly does "locking" mean? How do I lock my home loan? I need to make changes to my home loan application and can’t.